{"id":100261,"date":"2026-05-28T17:33:13","date_gmt":"2026-05-28T12:03:13","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=100261"},"modified":"2026-05-28T17:33:15","modified_gmt":"2026-05-28T12:03:15","slug":"bank-of-india-credit-risk-fund","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/","title":{"rendered":"Bank of India Credit Risk Fund Analyst Review: NAV, Returns and Key Insights 2026"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p>Offering a 1-year return of 17.00% and a 3-month gain of 6.69%, the <a href=\"https:\/\/univest.in\/user\/stocks\/bankindia\/bank-of-india-share-price-today\"><strong>Bank of India Credit Risk Fund<\/strong> <\/a>provides investors with measured exposure to its underlying investment universe. The fund manages Rs 101.21 crore in assets at a NAV of Rs 14.55. This review breaks down its returns history, expense structure, and who should consider adding it to their portfolio in 2026.<\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\"><strong>Click Here &#8211; Get Mutual Fund Advisory<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#What_Is_the_Bank_of_India_Credit_Risk_Fund\" title=\"What Is the Bank of India Credit Risk Fund?\">What Is the Bank of India Credit Risk Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#Bank_of_India_Credit_Risk_Fund_NAV_and_AUM\" title=\"Bank of India Credit Risk Fund NAV and AUM\">Bank of India Credit Risk Fund NAV and AUM<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#Bank_of_India_Credit_Risk_Fund_Returns_Performance_Snapshot\" title=\"Bank of India Credit Risk Fund Returns: Performance Snapshot\">Bank of India Credit Risk Fund Returns: Performance Snapshot<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#Expense_Ratio_and_Cost_Efficiency\" title=\"Expense Ratio and Cost Efficiency\">Expense Ratio and Cost Efficiency<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#Who_Should_Invest_in_Bank_of_India_Credit_Risk_Fund\" title=\"Who Should Invest in Bank of India Credit Risk Fund?\">Who Should Invest in Bank of India Credit Risk Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#Key_Risks_to_Consider\" title=\"Key Risks to Consider\">Key Risks to Consider<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#What_is_the_current_NAV_of_Bank_of_India_Credit_Risk_Fund\" title=\"What is the current NAV of Bank of India Credit Risk Fund?\">What is the current NAV of Bank of India Credit Risk Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#What_are_the_returns_of_Bank_of_India_Credit_Risk_Fund\" title=\"What are the returns of Bank of India Credit Risk Fund?\">What are the returns of Bank of India Credit Risk Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#What_is_the_expense_ratio_of_Bank_of_India_Credit_Risk_Fund_Direct_Growth\" title=\"What is the expense ratio of Bank of India Credit Risk Fund Direct Growth?\">What is the expense ratio of Bank of India Credit Risk Fund Direct Growth?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#Is_this_fund_suitable_for_conservative_investors\" title=\"Is this fund suitable for conservative investors?\">Is this fund suitable for conservative investors?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#What_is_the_minimum_SIP_amount_for_this_fund\" title=\"What is the minimum SIP amount for this fund?\">What is the minimum SIP amount for this fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund\/#What_category_and_sub-category_does_this_fund_belong_to\" title=\"What category and sub-category does this fund belong to?\">What category and sub-category does this fund belong to?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_the_Bank_of_India_Credit_Risk_Fund\"><\/span><strong>What Is the Bank of India Credit Risk Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Bank of India Credit Risk Fund is a debt-oriented credit risk fund investing a significant portion of its assets in below-AA rated bonds and corporate papers, targeting higher yield income compared to conventional debt funds. Credit risk funds carry a higher probability of default-related losses and suit only investors with moderate-to-high risk tolerance and a medium-term horizon. The fund carries a Moderately High risk rating.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bank_of_India_Credit_Risk_Fund_NAV_and_AUM\"><\/span><strong>Bank of India Credit Risk Fund NAV and AUM<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The current NAV of the Bank of India Credit Risk Fund Direct Growth plan is Rs 14.55. NAV is updated each trading day and reflects the closing market prices of the fund&#8217;s underlying securities. Always verify the most recent NAV on the AMC website or a registered mutual fund platform before placing any transaction.<\/p>\n<p>With an AUM of Rs 101.21 crore, the fund is relatively nimble. This can be advantageous for portfolio agility and the ability to take positions without significant market impact. Investors should track AUM trends alongside performance metrics when evaluating this fund.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bank_of_India_Credit_Risk_Fund_Returns_Performance_Snapshot\"><\/span><strong>Bank of India Credit Risk Fund Returns: Performance Snapshot<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table border=\"1\" cellspacing=\"0\" cellpadding=\"6\">\n<thead>\n<tr>\n<th><strong>Period<\/strong><\/th>\n<th><strong>Returns<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1 Month<\/td>\n<td>5.55%<\/td>\n<\/tr>\n<tr>\n<td>3 Months<\/td>\n<td>6.69%<\/td>\n<\/tr>\n<tr>\n<td>1 Year<\/td>\n<td>17.00%<\/td>\n<\/tr>\n<tr>\n<td>3 Years (Annualised)<\/td>\n<td>9.86%<\/td>\n<\/tr>\n<tr>\n<td>5 Years (Annualised)<\/td>\n<td>27.88%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Performance for the Bank of India Credit Risk Fund has been measured, delivering 17.00% over one year and 6.69% over three months. This level of return is broadly in line with its investment category average. Patient investors with a long-term horizon may find that consistent moderate compounding creates significant wealth over time, provided the underlying investment thesis remains intact.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Expense_Ratio_and_Cost_Efficiency\"><\/span><strong>Expense Ratio and Cost Efficiency<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>At 0.98% per annum, the expense ratio of the Bank of India Credit Risk Fund Direct Growth plan is moderate for its peer group. The direct plan remains more cost-efficient than the regular variant. Investors should factor the total cost of ownership into their long-term return calculations and compare across category peers before making a final decision.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_Should_Invest_in_Bank_of_India_Credit_Risk_Fund\"><\/span><strong>Who Should Invest in Bank of India Credit Risk Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Bank of India Credit Risk Fund is suitable for investors seeking higher income returns from the debt segment who understand the credit risk implications. The fund carries a Moderately High risk rating and requires a minimum 2 to 3-year horizon. The minimum SIP is Rs 1000 and minimum lumpsum is Rs 5000. Conservative investors seeking capital preservation should consider safer debt fund alternatives instead.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_to_Consider\"><\/span><strong>Key Risks to Consider<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Liquidity Risk:<\/strong> Lower-rated debt instruments typically have limited secondary market liquidity, making it difficult to exit positions quickly during periods of financial stress.<\/p>\n<p><strong>Concentration Risk:<\/strong> Credit risk funds often have concentrated exposure to a small number of issuers. Adverse developments at a single issuer can disproportionately impact the overall fund NAV.<\/p>\n<p><strong>Recovery Uncertainty:<\/strong> Recovery proceedings on defaulted bonds can be lengthy and uncertain. The actual recovery amount may be significantly lower than the face value of the defaulted instrument.<\/p>\n<p><strong>Valuation Risk:<\/strong> Elevated valuations in the underlying investment universe can reduce future return potential even if the fundamental business performance of portfolio companies remains strong.<\/p>\n<p>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track this fund&#8217;s live NAV and manage your portfolio.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Steady returns, a competitive expense ratio of 0.98%, and an AUM of Rs 101.21 crore position the Bank of India Credit Risk Fund as a reliable performer within its category. For patient investors with a 5 to 7-year horizon, its consistent management offers a dependable wealth-building vehicle. Ensure the fund fits your risk profile by consulting a SEBI-registered investment advisor.<\/p>\n<p><em>Investments in securities are subject to market risk. This content is for educational purposes only and does not constitute investment advice.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_Bank_of_India_Credit_Risk_Fund\"><\/span><strong>What is the current NAV of Bank of India Credit Risk Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The current NAV of the Bank of India Credit Risk Fund Direct Growth plan is Rs 14.55. NAV is updated each trading day and reflects the closing market value of the fund&#8217;s underlying holdings. Always verify the most recent NAV on the AMC website or a SEBI-registered mutual fund platform before transacting.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_returns_of_Bank_of_India_Credit_Risk_Fund\"><\/span><strong>What are the returns of Bank of India Credit Risk Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The fund has delivered a 1-year return of 17.00% and a 3-month return of 6.69%. The 3-year annualised return is 9.86% and the 5-year annualised return is 27.88%. Past performance does not guarantee future results and should be evaluated alongside the fund&#8217;s risk profile and benchmark comparison.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_expense_ratio_of_Bank_of_India_Credit_Risk_Fund_Direct_Growth\"><\/span><strong>What is the expense ratio of Bank of India Credit Risk Fund Direct Growth?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The expense ratio of the Bank of India Credit Risk Fund Direct Growth plan is 0.98% per annum. The direct plan eliminates distributor commissions and is more cost-efficient than the regular plan. Investors should always opt for the direct plan to maximise long-term net returns through the compounding advantage of lower costs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_this_fund_suitable_for_conservative_investors\"><\/span><strong>Is this fund suitable for conservative investors?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> No. This fund carries a Very High risk rating due to credit default risk from below-AA rated instruments. It is not suitable for conservative investors or those with short investment timelines. A minimum 5 to 7-year horizon and a high risk tolerance are required prerequisites. Consult a SEBI-registered investment advisor before investing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount_for_this_fund\"><\/span><strong>What is the minimum SIP amount for this fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The minimum monthly SIP is Rs 1000 and the minimum lumpsum investment is Rs 5000. The low entry thresholds make the fund accessible across income levels. A regular SIP approach is recommended to average out entry costs over time, particularly given the high-volatility nature of this fund&#8217;s category.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_category_and_sub-category_does_this_fund_belong_to\"><\/span><strong>What category and sub-category does this fund belong to?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> This fund is a credit risk debt fund targeting higher yields through below-AA rated corporate bonds. It falls under the Credit Risk Fund sub-category and is available as a direct growth plan, which eliminates distributor commissions and typically offers superior net returns compared to the regular plan.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Bank of India Credit Risk Fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV of the Bank of India Credit Risk Fund Direct Growth plan is Rs 14.55. NAV is updated each trading day and reflects the closing market value of the fund's underlying holdings. 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